In Q4 2025, JPMORGAN CHASE BANK NA led 1-4 family — HELOC nonproductive loans across 50 institutions with $769M in volume. WELLS FARGO BANK NA followed with $739M, while PNC BANK NATIONAL ASSN ranked third at $403M.

NPL Volume Leaders by Category

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Rank	Institution	Source	State	NPL Volume	QoQ
1	JPMORGAN CHASE BANK NA	BANK	OH	$769M	-$18M
2	WELLS FARGO BANK NA	BANK	SD	$739M	-$24M
3	PNC BANK NATIONAL ASSN	BANK	DE	$403M	+$9M
4	BANK OF AMERICA NA	BANK	NC	$382M	+$6M
5	CITIZENS BANK NATIONAL ASSN	BANK	RI	$310M	+$20M
6	TD BANK NATIONAL ASSN	BANK	DE	$170M	+$7M
7	U S BANK NATIONAL ASSN	BANK	OH	$143M	+$4M
8	HUNTINGTON NATIONAL BANK	BANK	OH	$121M	+$2M
9	TRUIST BANK	BANK	NC	$106M	-$3M
10	CITIBANK NATIONAL ASSN	BANK	SD	$101M	-$5M
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	NPL Volume	QoQ	Trend
11	MANUFACTURERS&TRADERS TR CO	BANK	NY	████	████	████
12	FIFTH THIRD BANK NA	BANK	OH	████	████	████
13	BMO HARRIS BANK NA	BANK	IL	████	████	████
14	KEYBANK NATIONAL ASSN	BANK	OH	████	████	████
15	SANTANDER BANK N A	BANK	DE	████	████	████
16	REGIONS BANK	BANK	AL	████	████	████
17	SEATTLE BANK	BANK	WA	████	████	████
18	FIRST HORIZON BANK	BANK	TN	████	████	████
19	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	████	████	████
20	COMERICA BANK	BANK	TX	████	████	████
21	ZIONS BCORP N A	BANK	UT	████	████	████
22	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████	████
23	CITY NATIONAL BANK	BANK	CA	████	████	████
24	OLD NATIONAL BANK	BANK	IN	████	████	████
25	EAST WEST BANK	BANK	CA	████	████	████
26	USAA FEDERAL SAVINGS BANK	BANK	AZ	████	████	████
27	NORTHPOINTE BANK	BANK	MI	████	████	████
28	SYNOVUS BANK	BANK	GA	████	████	████
29	HANCOCK WHITNEY BANK	BANK	MS	████	████	████
30	NORTHERN TRUST CO	BANK	IL	████	████	████
31	THIRD FS&LA OF CLEVELAND	BANK	OH	████	████	████
32	FULTON BANK NATIONAL ASSN	BANK	PA	████	████	████
33	FIRST HAWAIIAN BANK	BANK	HI	████	████	████
34	ARVEST BANK	BANK	AR	████	████	████
35	WEBSTER BANK NATIONAL ASSN	BANK	CT	████	████	████
36	WESBANCO BANK INC	BANK	WV	████	████	████
37	ATLANTIC UNION BANK	BANK	VA	████	████	████
38	UMPQUA BANK	BANK	OR	████	████	████
39	FREMONT BANK	BANK	CA	████	████	████
40	SOUTH STB NA	BANK	FL	████	████	████
41	NORTHERN BANK&TRUST CO	BANK	MA	████	████	████
42	TRUSTMARK NATIONAL BANK	BANK	MS	████	████	████
43	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████	████
44	MERCHANTS BANK OF INDIANA	BANK	IN	████	████	████
45	FIRST UNITED BANK&TRUST CO	BANK	OK	████	████	████
46	HORIZON BANK	BANK	IN	████	████	████
47	HOMETRUST BANK	BANK	NC	████	████	████
48	ASSOCIATED BANK NA	BANK	WI	████	████	████
49	FROST BANK	BANK	TX	████	████	████
50	DEUTSCHE BANK TR CO AMERICAS	BANK	NY	████	████	████

Methodology

This card ranks banks by absolute non-performing loan volume per CDR leaf category, sorted descending, top 50. No minimum-dollar threshold is applied — the per-category leaderboards naturally surface the largest banks in each segment. Field source: FFIEC Call Report Schedule RC-N per-category nonaccrual + 90-days-past-due dollar columns (pinned in lib/call-report/cdr-fields.js). Stored in call_report_metrics_by_category.nonperforming_volume with source='fdic_cdr'. Sibling card charge-off-velocity surfaces the leading-edge rate of deterioration; this card surfaces the absolute concentration of stock.

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